Who this service is for
- Cardholders with mounting interest and finance charges
- Borrowers with multiple cards stressing monthly cash flow
- Cardholders facing legal-notice or pre-legal collection pressure
Common situations we see
- Compounding interest and late fees
- Multiple cards with overlapping due dates
- Repeated collection calls and pressure tactics
- Confusion about settlement vs. write-off vs. closure
How Athena Legal Solution LLP can help
- Confidential review of the card account and statements
- Hardship documentation guidance
- Bank communication strategy
- Settlement letter and closure documentation review
Documents usually required
- Card statements for the last 6–12 months
- Outstanding summary and finance charge breakdown
- Any settlement letters already received
- Hardship documentation
Our process
- Consultation
- Document review
- Strategy and bank communication
- Settlement letter review
- Closure documentation guidance